Stock Price & Analysis

Based on recent analyst ratings and technical indicators, PNC stock appears to be a moderate buy at its current price of $198.54, with multiple analysts setting price targets above $215 and positive momentum indicators suggesting potential upside. The stock's RSI of 53.09 indicates a neutral position with room for growth, while recent insider selling activity warrants some caution for potential investors.

Based on recent analyst reports and technical indicators, PNC stock is projected to reach $220-225 by the end of 2025, supported by multiple analyst upgrades including Evercore ISI's $225 target and the consensus price target of $220.92. The bank's improving net interest margin expected to approach 3% by end of 2025 and projected EPS growth to $16.06 in 2025 provide fundamental support for this target. Technical analysis shows the stock currently trading at $198.54 with strong resistance at $205.25 and support at $186.49, suggesting room for upward movement within this channel.

The S1 support level for PNC Stock is $186.87 ,The R1 resistant level for PNC Stock is $201.2.

As of the end of day on 2025-01-24, the price of PNC Stock was $199.53.

The target price for PNC Stock according to analyst rating is 219.14, with the highest price target at 257.00 and the lowest at 199.00. Analysts have a Moderate Buy rating on PNC Stock overall.

The market cap of PNC is $79.0B.

Based on the comprehensive data analysis, PNC appears fairly valued with some potential concerns. Here's why:

Valuation Metrics The stock's current P/E ratio of 14.59 is reasonable for the banking sector, but Q4 2024 metrics show mixed signals with EV/EBITDA at 17.35 (relatively high) and P/B at 1.40 (reasonable).

Recent Performance & Analyst Views Morgan Stanley recently raised their price target to $208 but maintains an Underweight rating, noting that PNC's FY25 guidance was only marginally above consensus. Meanwhile, Barclays is more optimistic with a $257 target, citing accelerating earnings growth potential.

Financial Health Net income shows steady growth through 2024:

• Q1: $1.24B
• Q2: $1.36B
• Q3: $1.40B
• Q4: $1.51B

However, debt-to-equity ratio remains high at 113.23% in Q4 2024, though improving from 141.52% in Q1 2024.

Key Concerns

• Negative insider sentiment with recent selling activity
• High debt levels despite improvement
• Mixed analyst ratings with some maintaining Sell recommendations
• Net margin, while improving to 30.19% in Q4, may face pressure from interest rate environment

The stock appears appropriately priced given its current fundamentals and mixed outlook, with potential headwinds from insider selling and debt levels offsetting steady earnings growth.

The PNC Financial Services Group, Inc. is a diversified financial company. The Company is engaged in retail banking, including residential mortgage, corporate and institutional banking and asset management, providing many of its products and services nationally. The Company’s retail branch network is located coast-to-coast. The Company has three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group. Retail Banking provides deposit, lending, brokerage, insurance services, investment management and cash management products and services to consumer and small business customers. Corporate & Institutional Banking provides lending, treasury management, capital markets and advisory products and services to mid-sized and large corporations and government and not-for-profit entities. Asset Management Group provides private banking for high net worth and ultra-high net worth clients and institutional asset management. The Company’s bank subsidiary is PNC Bank.

Based on analyst projections and market trends, PNC stock is expected to reach $285-295 by 2030, driven by its strong digital banking transformation and projected compound annual growth rate of 6-7% in earnings [1,2]. The bank's focus on expanding its wealth management segment and maintaining a conservative lending approach positions it well for sustainable growth through economic cycles. Recent analyst consensus shows a moderate buy rating with multiple price target upgrades, suggesting confidence in PNC's long-term growth trajectory despite near-term banking sector challenges [1,3].

PNC has a total of 54813 employees.